Bharti Arora, FRM, has a diverse background in finance, blending industry and academic experiences in credit research, portfolio management, and financial risk management. They served as a Finance Processor at Aon Hewitt from 2011 to 2012, and later took on roles as a Credit Analyst at WNS Global Services and Deputy General Manager at Satin Creditcare Network Limited. As an educator, they held positions as an Assistant Professor and Visiting Faculty at various institutions, including Guru Gobind Singh Indraprastha University and the TKWs Institute of Banking & Finance. Currently, they are a Financial Services Consultant at CiRG Labs and are pursuing a UGC-NET in Commerce. Bharti holds an M.Com in Finance from Delhi School of Economics and an FRM in Risk Management from GARP.